Yes. Pennie will maximize the Advanced Premium Tax Credits (APTC) you are eligible for throughout the year to lower your monthly premiums, to the extent possible. To do this, Pennie will apply any owed APTC that you did not take for the months prior to implementation of the American Rescue Plan by evenly distributing the remaining APTC to your remaining monthly premiums through December. You can expect to see this additional APTC applied to your account starting in July. Any additional tax credits owed at the end of the year will be available to you through a tax refund when you file your federal tax return.